Everything RatioPro does
A short, honest list. Nothing padded. Nothing here to hit a bullet-point count.
01 · See
Your credit report is a dense document written for underwriters. RatioPro extracts the two numbers that decide almost every credit decision and shows you where you stand — right now, this second.
Total balance across all revolving cards, divided by total credit limit. The single number your FICO score reacts to most quickly.
Because scoring models look at your worst card too, not just the average. RatioPro flags the card that's dragging you down the most.
Enter income monthly or annually. See the exact percentage of your income going to debt payments — the number mortgage lenders check first.
The exact dollars you're paying in interest each month, per card. Nothing motivates like seeing the number in plain English.
A quiet green / amber / red per card so your eye can immediately find the account that needs attention.
The single card where a $X payment would produce the biggest FICO move. Ranked by highest impact per dollar.
02 · Plan
Pick a horizon. Set a budget. RatioPro distributes the payment across your cards in the order that moves the ratios fastest — and adjusts every time your balances change.
See the monthly payment required for each pace before you commit. Pick the one your life can absorb — not the one someone else picked for you.
Set your payment for one month only. Set it to change every month. Set the same amount for three months. Whatever fits how you actually get paid.
Not "avalanche" (interest-first). Not "snowball" (smallest-first). A method built around the number that moves your score fastest.
Cards report to bureaus on specific days, often before the due date. Pay a day too late and the ratio locks in for the month. RatioPro times payments to match reporting.
The projected month you cross into debt-free, updated as your balances move. A quiet, concrete target.
The total dollars you save by following the plan versus paying minimums. Updated in real time as your numbers improve.
03 · Simulate
The ratio simulator lets you test moves without touching your actual plan. "If I paid $500 to this card, what happens?" See it in seconds.
Preview what a specific payment does to your ratios, your projected score move, and your debt-free date.
See what a balance transfer to a new 0% APR card would do to your overall picture — including the transfer fee and its impact on utilization.
See what happens if your issuer raises your limit by $X. Sometimes the fastest way to lower utilization has nothing to do with paying.
04 · Stay on track
Payment nudges. Milestone acknowledgments. A monthly check-in. RatioPro is designed to eventually leave you alone — because the goal is for you to not need an app to do this anymore.
A text or email a few days before each card's statement date — the moment your payment actually affects the ratio that gets reported.
Ratio crosses 50%, 30%, 10%. Card paid off. Debt-free date pulled forward. Small acknowledgments, quietly delivered.
One email a month with a clean before-and-after: your ratios, your interest saved, your progress against plan.
Life happens. Pause the plan without losing your data, your history, or your projections. Come back when you're ready.
05 · Privacy
Most finance apps ask for your bank credentials. RatioPro doesn't. Your card list stays on your device unless you explicitly opt to sync. We don't sell data. We don't share it. There is no ad model.
No bank credentials. No screen-scraping. No third-party aggregators pinging your accounts. If you want your data linked, you'd have to do it yourself.
Your card data is encrypted on your device and (if you opt to sync across devices) in our database. We can't read it. Neither can anyone else.
We're paid by subscribers, not by advertisers. Nothing you enter into RatioPro is sold, shared, or targeted against you.
Your data belongs to you. Export a clean spreadsheet of your card list, payment history, and plan projections at any time — for any reason.
Close your account and your data is permanently deleted within 30 days. No retention window. No "backup." No exceptions.
Working toward SOC 2 Type II certification for infrastructure and process. Because privacy claims are worth what they're audited against.
Ready when you are
Join the waitlist for early access. We'll send an invitation when the next cohort opens.
One email when your invitation is ready. No marketing, ever.